Call reports 2014
SOUTH OTTUMWA SAVINGS BANK — 2014
What SOUTH OTTUMWA SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 301,802,000 | 302,456,000 | 297,639,000 | 304,587,000 |
| Total loans | 115,012,000 | 118,520,000 | 123,929,000 | 128,847,000 |
| Allowance for loan losses | 1,755,000 | 1,766,000 | 1,808,000 | 1,848,000 |
| Securities available for sale | 163,703,000 | 162,585,000 | 149,866,000 | 152,714,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,244,000 | 231,896,000 | 229,914,000 | 235,152,000 |
| Interest-bearing deposits | 201,389,000 | 196,055,000 | 191,468,000 | 196,826,000 |
| Noninterest-bearing deposits | 34,855,000 | 35,841,000 | 38,447,000 | 38,326,000 |
| Equity capital | 32,085,000 | 33,713,000 | 34,297,000 | 35,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,663,000 | 5,394,000 | 8,110,000 | 10,834,000 |
| Interest expense | 526,000 | 1,046,000 | 1,559,000 | 2,052,000 |
| Net interest income | 2,137,000 | 4,348,000 | 6,551,000 | 8,782,000 |
| Noninterest income | 256,000 | 442,000 | 677,000 | 793,000 |
| Noninterest expense | 1,654,000 | 3,373,000 | 5,127,000 | 6,678,000 |
| Provision for loan losses | 10,000 | 40,000 | 90,000 | 140,000 |
| Pretax income | 840,000 | 1,517,000 | 2,258,000 | 3,004,000 |
| Income tax | 29,000 | 76,000 | 113,000 | 150,000 |
| Net income | 811,000 | 1,441,000 | 2,145,000 | 2,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,247,000 | 29,787,000 | 30,501,000 | 31,277,000 |
| Total capital | 31,002,000 | 31,553,000 | 32,309,000 | 33,125,000 |
| Risk-weighted assets | 152,612,000 | 154,421,000 | 159,761,000 | 164,290,000 |